London in the late winter shoulder season is about quiet galleries, shorter lines at the British Museum, and grabbing a last-minute seat for a West End show without fighting summer crowds. The air is crisp, the pubs are warm, and flights tend to drop after the holidays pass.
You can spread out the roughly $2800 cost of the trip using the Citi Simplicity® Credit Card, which gives you 0% for 18 months on purchases and balance transfers from date of account opening to help manage the cash flow.
That 0% window is a deadline, not free money. If you still have a balance left when those 18 months are up, standard interest kicks in on what is left over.